TurboRater review for insurance agencies: pricing, carriers and integrations
TurboRater rates personal auto, home and related lines with real-time carrier rates and manufactured rates. It bridges quotes into 37 agency systems.
It fits independent agencies writing personal lines, and Zywave quotes the price.
- Best for
- Personal lines agencies that want a rater bridging to almost any agency system, plus online auto sales
- Lines
- Auto, home, condo, renters, dwelling fire and motorcycle
- Price
- Quoted by sales
- Carriers
- 200+
- States
- All 50 states and DC
- How it connects
- Real-time carrier rates and manufactured rates
- Agency system
- Bridges to 37 systems, including HawkSoft, Applied Epic and AMS360
Our take
TurboRater suits a personal lines agency on almost any agency system, since its bridge list is long. TurboRater for Websites can even sell auto policies online in 30 states.
Some carriers rate by manufactured rates, so confirm before binding.
Pros
- Bridges to 37 agency systems
- Online auto sales from your website
- Underwriting flags while you quote
- Carriers in all 50 states
Cons
- Manufactured rates for some carriers
- One-year terms with no refunds
- MVRs need your own account
- Reports of slowdowns and bugs
Plans and pricing
Zywave publishes no price for TurboRater and quotes it for each agency. The cost guide lists the add-on fees raters do publish.
- How it's priced
- Quoted by sales
- Setup
- A Zywave project manager and scheduled setup sessions
- Who to ask
- Zywave sales at 855-454-6100
| Fee | Price | When it applies |
|---|---|---|
| MVRs | Billed by SambaSafety or Compass | Through your own account with either |
| ACORD forms | Your own ACORD license | If you use ACORD forms in TurboRater |
As of October 2026, from zywave.com. Zywave can raise the license fee once a calendar year.
Carriers, lines and states
- Carriers
- 200+
- Personal lines
- Auto, home, condo, renters, dwelling fire and motorcycle
- States
- All 50 states and DC
- Carrier list
- TurboRater carrier map
- Adding a carrier
- Request it on the carrier map form
Zywave cites 200+ carrier connections, as of October 2026. The summer 2026 release added 17 carriers in 18 states.
How carrier connections work
| Carriers | How it connects | What it means for you |
|---|---|---|
| Real-time carriers | The carrier returns its own rate | Live rates you can bind or bridge |
| Manufactured-rate carriers | TurboRater rates from the carrier's filed rules | ITC, the Zywave unit that makes TurboRater, asks these carriers for 30 days' notice of changes. Confirm the rate |
- Appointment needed
- Yes, with your own producer codes
- Whose carrier logins
- Your agency's
- Where logins are kept
- TurboRater carrier setup, by location or user
- Two-factor codes
- For the TurboRater login, by app, text or call
Applicant questions and prefill
You enter the risk once, and underwriting rules flag risks a carrier won't take or needs to approve. Admins can turn off driver and vehicle questions you don't use.
| Data | Source | Cost | Plan |
|---|---|---|---|
| Vehicles and drivers | TransUnion | ||
| Home details and replacement cost | Cotality, formerly CoreLogic | ||
| MVR | SambaSafety or Compass | Your own account |
- Imports from
- Partner Platform, HawkSoft and Canopy Connect
Quote results, bridge and bind
| Result | What it means for you |
|---|---|
| Real-time quote | The carrier's own rate |
| Manufactured rate | Built from carrier rules, to confirm |
Rates, coverages and premiums show side by side, and you can change terms and rerate. Saved quotes, finished or not, feed renewal suggestions.
- Bridge to carrier
- Quote data passes to the carrier's system
- Bind in the rater
- With carriers that allow it
- Payment
- Online for consumer auto sales on your website
Consumer quoting
- How it works
- TurboRater for Websites on your site
- What the consumer sees
- Quotes, and online auto purchase in 30 states with carriers such as Bristol West and Kemper
- Where the lead goes
- TurboRater, with emails for abandoned quotes, and Agency Matrix if you use it
- Plan
- TurboRater for Websites
Integrations
| Connects to | Type | How | Direction | What it does |
|---|---|---|---|---|
| Partner Platform | Agency system | Built in | Both ways | Prefills quotes and sends bound policies back |
| HawkSoft | Agency system | Bridge | Both ways | Clients out for quoting, the chosen quote back |
| Agency Matrix | Agency system | Built in | Both ways | Quotes, sold policies and website leads |
| Applied Epic, AMS360, QQCatalyst, NowCerts and others | Agency system | Bridge | Out | Sends quote data into the system |
| AgencyZoom, InsuredMine, Agency MVP and Velocify | CRM | Listed | Named integrations | |
| EverQuote, MediaAlpha, NetQuote and other lead sellers | Leads | Listed | In | Named lead sources |
| TransUnion and Cotality | Prefill | Built in | In | Vehicles, drivers, home details and replacement cost |
Getting started
Book a demo
Zywave sales walks through TurboRater.
Sign the agreement
The first term is one year.
Add carriers
Enter producer codes and logins for each carrier you write.
Set defaults
Turn off questions you don't need and set up reports.
Train
Live training, videos and Zywave University.
Mobile, users and security
Mobile
It runs in a browser on computers, tablets and phones. The website quoter is built for phones.
Users and security
- One Zywave login per user
- Two-factor login
- Encryption in transit and at rest
- Daily backups
Support and connection problems
- Support channels
- Phone, help center and training
- Hours
- 7:30 a.m. to 6 p.m. Central Monday to Thursday, to 5 p.m. Friday
- Status page
- status.zywave.com
The status page tracks TurboRater, the website quoter and the quoting API separately.
Contract terms
- Term
- One year
- Renewal
- Renews for a year automatically
- Notice to stop renewal
- 60 days in writing before the term ends
- Leaving mid-term
- Allowed with 30 days' notice, but you pay through that date. No refunds
- Your data
- Access ends at termination, and data is returned or destroyed within 90 days
- Terms
- TurboRater EULA
Terms read in October 2026. A signed schedule replaces them, and Zywave can use de-identified data forever.
What users say
What reviewers say most often, as of October 2026.
What users like
- Simple quoting steps
- Many carriers from one entry
- Saved client details
- Time saved
What users dislike
- Slowdowns and bugs
- Carriers missing in some markets
- Rate or VIN mismatches
- Uneven onboarding and support
TurboRater alternatives
- EZLynx Rating EngineQuote onlyPersonal lines rater with 330+ carriers and consumer quoting
- PL RatingQuote onlyVertafore's rater, with bind in the rater for some carriers
- QuoteRUSHQuote onlyHome and auto rater strong in Florida and coastal markets
- Epic Quotes Personal LinesQuote onlyBuilt into Applied Epic, no separate login
See every option in insurance quoting software.
Frequently asked questions
How much does TurboRater cost?
Zywave quotes it. MVRs are billed by your own SambaSafety or Compass account.
Does TurboRater use my own carrier appointments?
Yes. You enter your producer codes and logins for each carrier.
Which agency systems work with TurboRater?
Partner Platform, HawkSoft and Agency Matrix both ways, plus one-way bridges to Applied Epic, AMS360, QQCatalyst and others.
Can clients buy auto insurance on my website?
Yes, with TurboRater for Websites in 30 states.
How we researched this review. We based this review on the terms and product pages published by TurboRater, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan TurboRater quit selling or a contract term that reads different now, let us know and send the link to the page where TurboRater has it. Somebody here pulls up that page and checks it before we change anything on ours.